Dodge Ram 2500 Insurance Rates
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UPDATED: Apr 25, 2024
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Average auto insurance rates for a Dodge Ram 2500 are $1,232 annually with full coverage. Comprehensive costs on average $212, collision insurance costs $300, and liability is $540. Buying just liability costs around $592 a year, and insurance for high-risk drivers costs around $2,654. Teen drivers receive the highest rates at up to $4,892 a year.
Average premium for full coverage: $1,232
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for all Ram 2500 models.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $592 for your basic liability-only policy to the much higher price of $2,654 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas. The example below illustrates the effect of geographic area on car insurance rates.
These examples demonstrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details average Dodge Ram 2500 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $740
- Raising to $1,000 deductibles will save around $116 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,232
- Choosing pricier low deductibles will cost $1,456
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,654
- The cost with full coverage for a 16-year-old driver for full coverage may cost $4,892
Auto insurance rates for a Dodge Ram 2500 can also vary considerably based on the trim level of your Ram 2500, your driving record, and policy deductibles and limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Dodge Ram 2500 insurance for high-risk drivers is expensive and can cost from 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $340 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $486 extra every year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Dodge Ram 2500 insurance prices. A middle-age driver might find rates as low as $890 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,660 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,114 | -$118 | -9.6% |
| Alaska | $946 | -$286 | -23.2% |
| Arizona | $1,024 | -$208 | -16.9% |
| Arkansas | $1,232 | -$0 | 0.0% |
| California | $1,404 | $172 | 14.0% |
| Colorado | $1,176 | -$56 | -4.5% |
| Connecticut | $1,264 | $32 | 2.6% |
| Delaware | $1,394 | $162 | 13.1% |
| Florida | $1,542 | $310 | 25.2% |
| Georgia | $1,138 | -$94 | -7.6% |
| Hawaii | $884 | -$348 | -28.2% |
| Idaho | $836 | -$396 | -32.1% |
| Illinois | $916 | -$316 | -25.6% |
| Indiana | $928 | -$304 | -24.7% |
| Iowa | $830 | -$402 | -32.6% |
| Kansas | $1,170 | -$62 | -5.0% |
| Kentucky | $1,680 | $448 | 36.4% |
| Louisiana | $1,824 | $592 | 48.1% |
| Maine | $762 | -$470 | -38.1% |
| Maryland | $1,018 | -$214 | -17.4% |
| Massachusetts | $984 | -$248 | -20.1% |
| Michigan | $2,140 | $908 | 73.7% |
| Minnesota | $1,032 | -$200 | -16.2% |
| Mississippi | $1,478 | $246 | 20.0% |
| Missouri | $1,092 | -$140 | -11.4% |
| Montana | $1,322 | $90 | 7.3% |
| Nebraska | $972 | -$260 | -21.1% |
| Nevada | $1,478 | $246 | 20.0% |
| New Hampshire | $888 | -$344 | -27.9% |
| New Jersey | $1,378 | $146 | 11.9% |
| New Mexico | $1,090 | -$142 | -11.5% |
| New York | $1,298 | $66 | 5.4% |
| North Carolina | $708 | -$524 | -42.5% |
| North Dakota | $1,010 | -$222 | -18.0% |
| Ohio | $850 | -$382 | -31.0% |
| Oklahoma | $1,264 | $32 | 2.6% |
| Oregon | $1,130 | -$102 | -8.3% |
| Pennsylvania | $1,174 | -$58 | -4.7% |
| Rhode Island | $1,644 | $412 | 33.4% |
| South Carolina | $1,116 | -$116 | -9.4% |
| South Dakota | $1,042 | -$190 | -15.4% |
| Tennessee | $1,076 | -$156 | -12.7% |
| Texas | $1,484 | $252 | 20.5% |
| Utah | $912 | -$320 | -26.0% |
| Vermont | $844 | -$388 | -31.5% |
| Virginia | $738 | -$494 | -40.1% |
| Washington | $950 | -$282 | -22.9% |
| West Virginia | $1,130 | -$102 | -8.3% |
| Wisconsin | $854 | -$378 | -30.7% |
| Wyoming | $1,098 | -$134 | -10.9% |
Insurance Rates by Trim Level and Model Year
Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Dodge Ram 2500 | $376 | $656 | $420 | $1,632 |
| 2023 Dodge Ram 2500 | $358 | $630 | $440 | $1,608 |
| 2022 Dodge Ram 2500 | $344 | $626 | $450 | $1,600 |
| 2021 Dodge Ram 2500 | $332 | $610 | $470 | $1,592 |
| 2020 Dodge Ram 2500 | $320 | $586 | $486 | $1,572 |
| 2019 Dodge Ram 2500 | $304 | $564 | $500 | $1,548 |
| 2018 Dodge Ram 2500 | $292 | $524 | $510 | $1,506 |
| 2017 Dodge Ram 2500 | $280 | $494 | $514 | $1,468 |
| 2016 Dodge Ram 2500 | $268 | $442 | $520 | $1,410 |
| 2015 Dodge Ram 2500 | $250 | $408 | $520 | $1,358 |
| 2014 Dodge Ram 2500 | $242 | $382 | $524 | $1,328 |
| 2013 Dodge Ram 2500 | $236 | $356 | $534 | $1,306 |
| 2012 Dodge Ram 2500 | $218 | $330 | $534 | $1,262 |
| 2011 Dodge Ram 2500 | $212 | $300 | $540 | $1,232 |
| 2010 Dodge Ram 2500 | $198 | $274 | $534 | $1,186 |
Rates are averaged for all Dodge Ram 2500 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy More Affordable Dodge Ram 2500 Insurance
Saving money on insurance for a Dodge Ram 2500 consists of having a decent driving record, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Take the time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following items are a summary of the material that was covered in the above illustrations.
- Insureds who require additional liability coverage will pay about $590 every year to raise from a minimum limit to higher 250/500 limits
- 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $408 per month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations pay an average of $1,420 more each year than a driver with a clean driving record
- Increasing deductibles could save up to $350 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,892 |
| 20 | $2,818 |
| 30 | $1,258 |
| 40 | $1,232 |
| 50 | $1,130 |
| 60 | $1,108 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,456 |
| $250 | $1,354 |
| $500 | $1,232 |
| $1,000 | $1,116 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,232 |
| 50/100 | $1,378 |
| 100/300 | $1,513 |
| 250/500 | $1,864 |
| 100 CSL | $1,432 |
| 300 CSL | $1,729 |
| 500 CSL | $1,945 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,912 |
| 20 | $4,494 |
| 30 | $2,684 |
| 40 | $2,654 |
| 50 | $2,536 |
| 60 | $2,512 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $63 |
| Multi-vehicle | $66 |
| Homeowner | $21 |
| 5-yr Accident Free | $78 |
| 5-yr Claim Free | $78 |
| Paid in Full/EFT | $47 |
| Advance Quote | $55 |
| Online Quote | $84 |
| Total Discounts | $492 |
Discounts are estimated and may not be available from every company or in every state.
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